What is the most common complaint against Chime Financial Inc?

The most common issue consumers report about Chime Financial Inc is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 195 complaints filed with the CFPB.

Are complaints against Chime Financial Inc increasing or decreasing?

Complaints against Chime Financial Inc are rising. The company received 143 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Chime Financial Inc's reputation grade?

Chime Financial Inc has a reputation grade of D (score: 49.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Chime Financial Inc respond to consumer complaints?

Chime Financial Inc has a 100% timely response rate to CFPB complaints.

In how many states does Chime Financial Inc operate?

Chime Financial Inc has received CFPB complaints from consumers in 34 states, with the most complaints from Texas (25 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Chime Financial Inc - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

76
Took or threatened to take negative or legal action

53
False statements or representation

36
Written notification about debt

24
Threatened to contact someone or share information improperly

3
Electronic communications

2

Data updated September 2026

CFPB complaint disposition

CCDB record chime-financial-inc Chime Financial Inc

Grade D · 195 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #550 · compose #4218

VOL 195
GRADE D
12MO 143
STATES 34
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #550
COMPOSE #4,218

Volume peers

Nearest volume peer: 2288984 Ontario Inc. (195 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Chime Financial Inc's 195 CFPB complaints sit next to 2288984 Ontario Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Chime Financial Inc spreads filings across 34 states - Texas leads at only 12.8%

Despite a broad state map, Chime Financial Inc still sits volume #550 against composite #4,218 - the two RankMaps diverge by 3,668 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 12.8% across 34 states
Seasonal peak: 2025-12 13.2%; 8–15% band · 36 filings
Divergent corpus ranks: #550 volume; #4,218 composite; Cleanest-composite ladder is 3,668 places worse than volume

How does Chime Financial Inc compare to its peers?

How does Chime Financial Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Chime Financial Inc National average

Complaints (last 12 mo)lower is better

143

268

Timely-response ratehigher is better

100%

95%

91%

Consumer-dispute ratelower is better

31%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	76
Took or threatened to take negative or legal action	53
False statements or representation	36
Written notification about debt	24
Threatened to contact someone or share information improperly	3
Electronic communications	2
Communication tactics	1

Where do complaints against Chime Financial Inc come from?

Chime Financial Inc's own per-state count, not a national baseline.

Texas

25
Florida

22
Georgia

22
California

10
South Carolina

10
North Carolina

8
Alabama

7
New Jersey

7

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Chime Financial Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 195.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Chime Financial Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.